ZIP 28630 Property Distress & Foreclosure Data

Composite property distress in 28630 (Caldwell County, North Carolina) lands at 25/100 — low on DLRadar's public-record scoring. Climate and flood risk are elevated too — FEMA disaster exposure (88/100), flood (NFIP) exposure (83/100), climate & FEMA risk (67/100). On the structural side it scores 55/100, with 8/100 of stress already active. The sharpest non-environmental signals are institutional ownership (66/100), structural risk (55/100), mortgage stress (25/100). mortgage stress (25/100) stay muted.

Prices here sit in a peak phase: values rose 1.2% over the trailing year, and 24% higher over three years (phase confidence 50/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

At $65,713, median income runs below typical U.S. levels. 20,400 residents call 28630 home, typically aged 46. 77% of housing is owner-occupied. Around 33% of renters are cost-burdened. The vacancy rate is 13.0% — elevated. Around 18% of adults hold a bachelor's degree or higher. The demographic-stress sub-score lands at 29/100. The typical home is worth about $202,400 (3.0× income, relatively affordable). The poverty rate is 11.9%. The ZIP holds roughly 9,115 housing units.

Taken together, 28630 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.